BankNewport: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income dropped 17.5% in Q2 2026, from -$18.5M to -$21.7M. It was the largest change from Q1 2026 among the key lines here. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. BankNewport sits 0.78 points lower, at 12.70% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.70% |
| Tier 1 risk-based capital ratio | 12.70% |
| Total risk-based capital ratio | 13.62% |
| Tier 1 leverage ratio | 10.58% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $326.3M |
| Tier 1 capital | $326.3M |
| Total risk-based capital | $350.0M |
| Total equity capital | $304.6M |
| Risk-weighted assets | $2.57B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.93% |
| Tangible equity to tangible assets | 9.93% |
| Equity capital to average assets | 9.87% |
| Internal capital growth rate | 0.52% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.0M |
| Common stock surplus | $86.7M |
| Retained earnings | $236.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.83% | 12.83% | 13.59% | 10.77% | $2.24B |
| Q4 2023 | 13.07% | 13.07% | 13.78% | 10.89% | $2.25B |
| Q1 2024 | 12.93% | 12.93% | 13.57% | 10.81% | $2.29B |
| Q2 2024 | 12.93% | 12.93% | 13.55% | 10.77% | $2.30B |
| Q3 2024 | 13.17% | 13.17% | 13.86% | 10.78% | $2.29B |
| Q4 2024 | 12.95% | 12.95% | 13.72% | 10.78% | $2.35B |
| Q1 2025 | 13.09% | 13.09% | 13.91% | 10.75% | $2.35B |
| Q2 2025 | 12.99% | 12.99% | 13.85% | 10.65% | $2.40B |
| Q3 2025 | 13.20% | 13.20% | 14.13% | 10.58% | $2.40B |
| Q4 2025 | 13.39% | 13.39% | 14.22% | 10.66% | $2.40B |
| Q1 2026 | 12.76% | 12.76% | 13.59% | 10.83% | $2.55B |
| Q2 2026 | 12.70% | 12.70% | 13.62% | 10.58% | $2.57B |
BankNewport regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock BankNewport, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full BankNewport profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18129) · FFIEC NIC profile (RSSD 546003)